Application Process

Applying for a home equity loan or line of credit is simple.

You can apply online or visit a local office for additional assistance.

Our experienced bankers are available to help you every step of the way whether you apply online or in a branch. Best of all, typically you can access your funds in just 3-4 weeks after you apply and are approved! Here’s how:

Step 1: Complete an Application

Visit any of our locations and we’ll help you determine the best home equity product for your needs and complete an application. To speed things up, speak with a personal banker in advance to find out what supporting documents you can bring, such as pay stubs and financial statements. Or if you already know what type of line or loan you need, you can apply online now.

Step 2: Application Review

Next, we will verify your information, check your credit score, determine the value of your property (which may require an appraisal), and obtain copies of your title insurance and flood certification, if applicable. If we need any additional documentation, we’ll contact you.

Step 3: Loan Decision & Closing

We will let you know if your application is approved once we complete our review. Upon approval, we’ll schedule a closing with you to finalize our loan agreement. The closing can be held at our nearest office or other location.

Step 4: Accessing Your Funds

In most cases, you will have access to your funds three days after the closing. Home Equity Lines of Credit can be accessed through checks you write or via Online Banking. Home Equity Loans are disbursed in full upon availability.